我国商行个人理财业务问题研究

发布时间：2018-01-04 00:18

本文关键词：我国商行个人理财业务问题研究　出处：《经济研究导刊》2016年29期 　论文类型：期刊论文

【摘要】：近年来,外资银行的大量涌入,对于我国商业银行理财业务的发展是一个巨大的挑战。我国商业银行要想面对外资银行环球化专业化的理财服务而立于不败之地,就必须不断完善个人理财业务体系。我国商行个人理财业务的问题主要表现在缺乏专业的理财从业人才、理财产品同质化现象严重、客户风险提示及信息披露不充分、分业经营对理财业务的限制等方面。通过借鉴发达国家和地区商行个人理财业务的发展经验,我国应注重专业理财人才的培养;加大理财产品创新力度,探索理财产品发展的新空间;完善风险监管机制,创建良好金融环境。
[Abstract]:In recent years, the influx of foreign banks. It is a great challenge to the development of financial management business of commercial banks in our country. The commercial banks of our country want to be in an invincible position in the face of the global and specialized financial services of foreign banks. It is necessary to constantly improve the business system of personal financial management. The problems of personal finance business of commercial banks in China are mainly reflected in the lack of professional financial professionals, financial products homogenization phenomenon is serious. Customer risk tips and information disclosure is not sufficient, separate management of financial services and other aspects of the restrictions. By learning from the developed countries and regional commercial banks personal financial business development experience. Our country should pay attention to the training of professional financial talents; Strengthen the innovation of financial products and explore the new space for the development of financial products; We will improve the risk supervision mechanism and create a good financial environment.
【作者单位】：哈尔滨商业大学财政与公共管理学院;
【分类号】：F832.2
【正文快照】： 一、我国商行个人理财业务发展的现状个人理财作为综合性服务性强的新兴业务,是我国商业银行重要的利润增长点。商业银行一直把利润最大化作为发展的重中之重。近年来金融行业竞争激烈,使得银行把发展重心放在了客户服务上,积极拓展业务范围,完善、健全现有业务服务体系。银行

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